Proof of poverty can directly prove their current economic situation to banks, not because they don't pay back the money, but because they have difficulties in repaying it. This certificate must be written according to your own actual situation and needs the seal of the neighborhood Committee or village Committee.

The specific format is as follows:

1, introduce the family situation. Many users who owe money are unable to repay because of family reasons, so we should pay attention to introducing the family situation clearly when writing the poverty certificate of agreed repayment.

2, explain the reasons for the temporary inability to repay. For example, if you are temporarily unemployed due to family changes and temporarily unable to repay due to illness, you need to explain the reasons clearly, and you need to provide the bank with proof that you are not maliciously overdue. For example, if we are unable to repay the loan because of unemployment, you can provide unemployment certificate or proof of canceling the labor contract with the company. If you are temporarily unable to repay due to illness, you need to provide hospitalization certificates and other materials.

3, according to the current economic situation, write your own demands, apply for extension or installment repayment, and it is best to see if you can reduce liquidated damages or interest.

In addition, when writing the poverty certificate, we should pay attention to the fact that the name of the user who owes money in the certificate should be the same as the name on the ID card, and there should be no typo and no name alteration. Proof of poverty requires the official seal of the township (town) people's government where the family is located. Note that this chapter must be stamped with a new seal.

When negotiating with the bank, users must pay attention to sincerity, explain that they are not maliciously overdue, and take the initiative to show their willingness to repay.

Proof of poverty requires the official seal of the township (town) people's government where the family is located, or the official seal of the higher authorities. Among them, the effective official seals are: township (town) people's government, county civil affairs bureau and civil affairs bureau. Urban residents can be the official seals of neighborhood committees, neighborhood offices and communities. Note that the official seal of the villagers' committee and the official seal of the unit are invalid. Try not to have more than two official seals on the poverty certificate. The words "the family is in financial difficulties and needs" appear in the poverty certificate. Proof of poverty requires material paper or manuscript paper, written with a pen or water-based pen. Writing with a ballpoint pen is invalid.

In today's society, some friends are under great repayment pressure or even unable to repay because of excessive consumption, business failure, major family changes and other reasons, and eventually they are overdue, so that the interest is getting higher and higher. In a situation like this, most people don't know how to deal with it, which leads to the fact that they are now afraid to answer the bank phone and have been overdue. As long as it is overdue, bank collection, including the third-party collection platform cooperated by banks, will call you. If you don't answer the phone all the time, the third-party platform of bank cooperation will collect you in three ways.

What is negotiated repayment:

The technical term of agreed repayment is "stop payment", also known as personalized installment, which is mainly aimed at the second installment after the credit card is overdue, and part or all of the interest and liquidated damages can be reduced or exempted. The financial products mainly aimed at repayment by agreement are credit cards, loans behind credit cards and credit loans of various financial institutions.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.